Personal Finance and Investing
Finished Your Taxes? It’s Time to Prepare for Next Year
The 2011 tax season has officially come to an end, but before you shove everything into a fire safe box or a box at the bottom of your closet – it’s time to prepare for next year’s taxes. You probably just want to put the finances behind you and breathe a sigh of relief that [...]
How to Save on a Family Movie Theater Excursion
Taking the family out to the movie theater is no longer an affordable activity the whole family can enjoy. The cost of movie tickets is high and the concession costs are even higher. It can be costly experience even for a family of four once you factor in food and drinks for everyone in addition [...]
Yes You Can Save on Organic Products
With an increased focused on better health, many consumers want to do the right thing and choose better products and foods to feed their family. However, many complain that the cost of buying organic foods exceeds the cost of regular processed foods and they feel there is no way to start eating better, safer foods. [...]
5 Bits of Info Your Credit Reports Doesn’t Include
Your credit report says a lot about you. For this reason, lenders, creditors, landlords, and even employers will rely on the information contained in the credit report to get a more accurate picture of how you handle your money and your financial obligations. They want to make sure your past history of cash management will [...]
6 Things to Consider Before Adopting a Pet
Since many ASPCA organizations have created a Facebook or other social media outlet to share the horrific stories of pet abuse and abandonment, it is becoming increasingly difficult for some people to resist the sad eyes in the pictures featured on these social sites. While you may be a dog or cat lover or you [...]
How to Survive (and Maybe Generate Income) When You Are Bored and Broke
Boredom is particularly dangerous to a budget. As more families are tightening the purse strings and staying home in an effort to save more cash, there is a louder cry of “I’m bored” coming from both the kids and the adults. Here are some ways to turn boredom into family fun and maybe even a [...]
What Not to Keep in Your Wallet
Consumers tend to take for granted the safety of their wallet or their purse when on the go. It is only when their valuables are lost does reality set in. Too often people keep the wrong things in their wallets or bags and when they become lost, it creates a worrisome situation and a long [...]
Can You Budget if You Are Broke?
Many people try to create a budget but realize they don’t have enough money coming in each month to allocate an “allowance” to each of the various spending categories. Is it possible to create and stick to a budget if you are broke? While it is difficult, people who are spending more than they earn [...]
5 Ways to Improve Your Financial Situation Right Now
Your financial life may seem hopeless at the moment and you may think there is nothing you can reasonably do to fix it outside of earning more money. But there are ways for you to buckle down right now and do a little spring cleaning in your financial house. Here are 5 ways to start [...]
Spring Cleaning for Cash
It’s the time of year when many families give their homes a more extensive cleaning than they do the rest of the year. It’s a good time to look at what you have, get rid of anything you no longer need, and make everything clean and fresh for the new season. Spring cleaning can help [...]
What if You Can’t Afford Your Car?
According to financial experts, the total cost of your car, including car payments, insurance, and car maintenance expenses, should not cost more than 15 to 18% of your income. A car that costs more than 18% of your income is considered unaffordable for your financial situation. If you bought a car you could afford previously [...]
How to Choose a Savings Account
Choosing the right savings account can go a long way to helping you earn the most interest from the money you save. Whether you are looking for an account that you can begin saving money for an emergency fund or a vacation; or you already have money saved that you want to earn interest on [...]
How to Have a Fun Filled Family Staycation
Many families today are finding that their funds are limited and affording a typical vacation just isn’t possible. A great alternative to a traditional vacation is a staycation. A staycation is when you stay at home, but plan a fun vacation anyway. With Spring break just around the corner, here are some great tips to [...]
4 Reasons Everyone Needs an Emergency Fund
Most people today have heard of an emergency fund, but the fact is many people do not have one. In today’s financial times, it is more important than ever before for individuals and families to take building an emergency fund very seriously. Having an emergency fund helps to financially protect you and your family. Here [...]
Five Bills You Can Cut Now To Save Money
Saving money today is a growing trend and families everywhere are looking for areas where they can cut back. Even if you think you have done everything you can to slash your spending, there are probably areas you haven’t even thought of. Here are five bills that you can totally eliminate or greatly reduce in [...]
Dining Out On a Budget: Five Tips to Save You Money
If you are living on a tight budget it doesn’t necessarily mean that you can never eat out. While eating out can be costly, if you are know a few simple tips you can usually keep your bill budget friendly. Here are five great tips that will help you save money the next time you [...]
Rebuilding Your Credit Can Be Done: Four Tips to Help You Get Started
If you have less than stellar credit and are looking to improve it, there are numerous action steps you can take to bring up your score. While it will take some hard work and dedication on your part, you can start rebuilding your credit today. Here are some tips to help you get started. Order [...]
Know When Not To Use Your Credit Card
Credit card debt is a huge issue for many people today. Every month Americans use their credit cards without thinking about what the consequences will be. If you are someone who has the tendency to use your card impulsively you need to know when not to use your credit card. Here are three of the [...]
Cheap Ways to Feed a Family of 4
Grocery bills are getting more costly every month. If you are trying to feed a family of 4 or more, it can quickly become a struggle to keep the fridge stocked and the family from bemoaning ‘pasta again?’. Here are some tips for keeping your family fed without breaking the bank: Preplan Your Menu If [...]
File Taxes by Deadline – Even If You Can’t Pay
When the April income tax deadline arrives, you better be sure you have your documents and tax information filed on time and that means even if you can’t afford to pay the tax bill. For whatever reason you end up owing federal or state taxes, you have to file your income tax forms on time [...]
Change Your Life? Check Your Withholdings
Those that are employed for an extended period of time may forget to keep up with their human resource information, especially where their income is concerned. But any change in life circumstances may require a change on your withholdings documents. If you have gotten married, divorced, added dependents, or can no longer claim previous dependents, [...]
What Might Trigger an IRS Tax Audit?
It’s tax time again, and as you’re getting all of your documents together to prepare for filing, you’re probably hoping to get as many tax deductions. In 2010, about 1.5 million people who filed the most common return on IRS Form 1040 were audited – only about 1.1% of tax filers. On the other hand, [...]
5 Reasons You Should Pay Attention to Receipts
For many consumers, receipts are just a nuisance that are quickly thrown away. But receipts play an important part in our personal financial life. It can be wise to get into the habit of storing receipts in a shoebox, basket or filing folder so you’ll have what you need for budgeting and tax purposes. Make [...]
Two Money Management Strategies to Reach Your Goals Faster
There isn’t much you can do about the current economic conditions, but you always have control over managing your money. If you’re not afraid to spend some money in exchange for reaching your goals faster, you can take steps to maximize your finances that people who prefer to be frugal and cut expenses won’t try. [...]
5 Ways to Supplement Your Lacking Income
Many working families still cannot fully make ends meet and live from one paycheck to the next. Those families have found that after calculating their monthly expenses from their monthly income, the sum total is in the negative. In this common scenario, there are typically two choices: You can cut some expenses out of your [...]
Tips to Avoid Paying Late Fees
Late fees are unnecessary expenses that rob you of your hard earned money and leave long term damage to your credit score. For many people, the late fees they pay to their credit cards cost more than the minimum payment itself! Learn the following tips to avoid paying late fees – and also a strategy [...]
The CARD Act and Credit Cardholder Rights
Credit card companies have long been the source of consumer complaints regarding excessive and unreasonable fees and penalties. In addition, for many years, credit card users found themselves dealing with unreasonable, and often times, downright rude customer service. The downturn in the economy triggered even more aggressive behavior and antics from the credit card companies. [...]
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